#not financial advice

[ashley-of-the-abyss]

Easy 7-step plan to getting rich:

1. Come out as trans and start taking HRT.

2. Apply for Survivor. Play up how your performance in challenges would cause drama, since if you're weak you'll be a failure to men and if you're strong you'll be cheating women out of a deserved win. (Note: Big Brother and other similarly cheesy reality TV shows also work if you're not comfortable showing your chest)

3. Wait for [Reality Show] to inevitably accept you. They'll eat it up, loving the idea of showing liberals they're diverse while getting conservatives to hate-watch/watch to see how bad trans people are at being their desired gender.

4. Once you're there, play hard. Try to win challenges, especially endurance- or intelligence-based ones, since people can't make a negative view for you on those one way or the other. Don't be afraid to point out to more accepting players how sad it would be if you went first, and how it would show how backwards society really is.

5. When you're in the final 9 since nobody felt comfortable voting against you and seeming bigoted on national TV, start fully being yourself. Create alliances, make friends, and show the audience that you're more than just a trans person: you're a person.

6. You're in the final two. Great. Now it's time to remind everyone how hard your journey was. Talk about how the right-wing stereotype of the season said you'd never be a [desired gender]. But don't push it too hard. Talk about your actual merits, and explain your strategy. Finally, remind everyone how amazing it would be if a trans person won [Reality Show], because it would mean that everyone has a chance at success.

7. Win. Or don't win, that's okay too. Either way, you'll walk away from it all with money, fame, and countless brands wanting to pay you to promote their product. You broke boundaries, and showed millions of young queer people, some of whom have disapproving families that would never give them the resources to discover themselves otherwise. You're a hero, an icon, and most importantly to a capitalist society, you're rich.

I am currently stuck on the first step of this process.

[spaghettixgarlicbread]

[lilflowerbed]

$WIF from now on this is a meme coin account NFA

[coveredinmetaldust]

In which I promote a totally not made-up cryptocurrency. No CODs, not available in Nebraska.

[aos-presents]

Everybody is talking about ai, NFTs and OpenSea and other app platforms but failed to mention the newest addition to the crypto community. Imagine a browser that pays you bitcoins, that you can use as a team building tool.

This is not financial advice, in my honest opinion it's worth exploring. It could be ideal for you if you want to learn about bitcoin and bitcoin mining..

Plus the app is available at no cost, grab the link from my hype page and follow me, so we can share feedback and reviews on your experience with our podcast café community and culture.

Get the official crypto browser app right here

Organic LeGen Haus 💎 for the Day1s ... Digital Digest Crypto Café ☕ ©

[justinforprez]

BUY BALL JAR COMPANY STOCK NOW

I’m not a brony but these look amazing

[haberdashing]

specific parameters:

when exactly your teenage self gets this information is up to you, so long as they're your teenage self at the time.

your teenage self will learn the message and that it comes from you, their future self.

if it's something objectively true/false, they'll know it's true; if it's more subjective, they'll know you believe it's true based on your knowledge of the future; if it's advice, they'll know it's given in good faith based on your future life.

you need to decide NOW. no looking things up beforehand. (no sharing the winning lottery numbers unless you happen to have some memorized!)

you can combine things if they're really just parts of one big statement. so "You're genderfluid and your name is Adrian" is fine, but "move to California and invest in Facebook" isn't.

if your statement fits multiple categories, pick the one you think is the best overall fit.

[cazort]

Piece of financial advice, because I've seen too many people make this mistake: never pay off medical debt on a credit card unless you are 100% sure you will be able to pay the credit card balance off in full as soon as you get the first bill. Why? It is ALWAYS better to have medical debt than credit card debt. There is a long list of reasons why.

State and federal laws severely restrict medical debt in ways that credit card debt is not restricted.

Credit card debt can charge much higher interest rates, and in general it IS much higher in rate. Medical debt sometimes charges no interest, at least for a certain period of time. When it does charge interest, the rate is lower, and in some states it is capped as low as 5%, always at 20% or lower. Credit card interest rates are almost never below 15% and are sometimes MUCH higher than 20%.

Medical debt is less damaging to your credit history than credit card debt. And it is easier to eliminate in bankruptcy.

Medical debt also does not affect your spending limits on a credit card. If you use a credit card for monthly expenses, adding medical debt to it can bring you closer to your credit limit which might make you unable to use the card for expenses (even ones you could afford to pay off immediately.) This negatively affects your credit rating through increasing your credit utilization, it can reduce your potential to earn rewards, and it can reduce your spending power in an emergency.

Also, the penalties and fees for deliquency on medical debt are much milder and those for credit card debt are more severe. Again, laws are more restrictive on medical debt. You will have far fewer fees or penalties going delinquent on medical debt.

Also it is often easier to get medical debt forgiven or negotiated down, than credit card debt,

If you ever end up with medical debt, keep it as medical debt and keep paying it as medical debt. Go delinquent on your medical debt before switching it to a credit card. Once you put it on a credit card, you can't go back.

By keeping your medical debt as medical debt, you save money, protect your credit history, and increase your chances of having the debt forgiven, negotiated down, or eliminated through bankruptcy.

NEVER CONVERT MEDICAL DEBT TO CREDIT CARD DEBT.

[mokeonn]

"But if college was free, then people would abuse that and get useless degrees" hell yeah I would! If I could go to college without debt I would make it my job to get a degree in every little thing that interested me. I'd get a doctorate in film studies. I'd have a bachelor's degree for every science I like. I'd try to learn at least 5 languages with varying results. I would learn something "useful" like coding and then follow it up with a ""useless"" degree like art history. I'd be the world record speed run holder for getting every degree possible.

But I can't afford college without going into massive debt, so instead I spent the last 5 years trying to figure out what I am passionate enough about to consider going into debt over, because unfortunately being passionate about everything is extremely expensive to pursue.

[homo-lorens]

During uni when I had basically no consistent income I used Revolut as my main bank account. I don't think it was insured so it's all kind of dangerous and don't do this if you don't have a safety net, but it's fairly modern, doesn't insist on mailing me paperwork, has online human customer support, I can receive payments to it for all kinds of temporary work like a standard bank account, and it was cheap, cheap, cheap. I think over the entire 3 years I spent maybe 30 pounds on exchange and transfer costs.

What do maintenance fees for low-balance bank accounts even do. Besides kick you while you're down, I mean

[honeytonedhottie]

financial literacy⋆.ೃ࿔*:･✍🏽🎀

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

WHAT IS FINANCIAL LITERACY ;

financial literacy is handling ur money wisely. the google definition of financial literacy is the ability to understand and apply different financial skills effectively, including personal financial management, budgeting, and saving.

ALL ABOUT BUDGETING ;

when u hear the word "budget" its rly easy to think "omg limiting belief" or think of it in a negative light but a budget is just a plan on how u manage ur money. its not always constrictive and negative like u may or may not think of it to be.

budgeting : keeping track of how much $ ur bringing in and how much ur spending…💬🎀

planning a budget is ez pz. you can use some paper and sparkly pink gel pens to create an adorable budget, or u can download different sheets online and just have your budget digitally. theres a plethora of resources out there so just choose whichever is easier for u.

something else that i learned about during this course was the 50:30:20 rule. its called the 50:30:20 rule because 50% of ur money goes towards ur needs, 30% goes towards wants and 20% goes towards ur savings. and this isnt concrete, its just a good framework and u can adjust to ur own specific needs and goals.

for example if u manifested $4000. ur 50% would be $2000, ur 30% would be $1200 and ur 20% would be $800…💬🎀

HOW DO U KNOW WHAT UR NEEDS/WANTS ARE ;

things like ur rent and groceries are ur needs and things like vacations and going out with ur girls are wants. and to apply the 50:30:20 rule you first have to...

♡ calculate ur needs, wants and savings budget

♡ compare ur expenses to ur budget

the way u do this is to subtract your expenses from your budget. this is your budget balance. if your budget balance is zero or positive, that means you are living within your means and have some extra money. if your budget balance is negative, that means you are spending more than you should and may have a budgeting problem.

let me know if u guys want more content about this cuz i had a lot of fun writing this…💬🎀

[colebabey888]

Financing 101: Handling your money| IT GIRL DIARIES

A few financial tips my father shared with me that has kept me secure and taught me valuable lessons on saving and future planning..

When it comes to managing your money, always apply the 30:30:30:10 rule. This means allocating 30% towards your day-to-day or monthly expenses, 30% towards investments, 30% for future retirement savings, and 10% for your wants and luxuries.

I consider myself fortunate to live with my parents, which means I don’t have to cover utilities or household expenses. However, instead of spending all of my income on luxuries and my wants, I divide it thoughtfully. I allocate 15% more towards investments, ensuring that my money works for me and provides a return. The remaining 15% is set aside and added to my personal wants and luxuries.

Don't use the full amount for luxuries because you want to make sure that you are using the extra funds wisely. This way, you can contribute towards your future plans, even if while living with parents. It’s important to enjoy the present, but always be prepared for the future.

Never keep all your money in one bank account. There are several reasons for this. If you don’t see your money, you’re less likely to spend it, by keeping your investments and savings in a separate account that you rarely check, you’re less tempted to dip into them so keep them separate from your regular income in a different bank account. Also having your money spread out in multiple accounts is much more safer than having it all in one place.

Always put your savings and investments into a high yield savings account so that your money doesn't lose value due to inflation overtime and you profit through interest return.

If you notice your income increasing significantly, it might be wise to consult a financial advisor or get an accountant. A professional can provide valuable advice on how to save, invest, and manage your growing assets effectively.

Use a separate bank account for online shopping. Opt for digital payment platforms like PayPal or Venmo. Even with reputable brands, it’s safer not to provide your primary bank details. I personally use a completely separate account for online shopping, only transferring money when needed, and it has kept me secure for a long time.

mwah! xoxo, colebabey8.88

[mcflymemes]

please don't mistake silence for hatred. please don't mistake unanswered plotting messages as indifference, or a lack of enthusiasm towards you. considering the ages of most roleplayers, many of us have bills to pay, families to take care of, medical conditions to treat, appointments to make, classes to take, homes to clean, and lives to live away from the computer that are far, far more important than writing on tumblr — life has a tendency to get in the way of hobbies and fun things like this. be patient with your fellow writers. if it doesn't work out, it doesn't work out. of course you can set your boundaries, keep your space comfortable, and softblock whoever you wish, but do so while recognizing it's probably not hatred or apathy that keeps them from leaping into your dms with message after message. they probably love this hobby just as much as you... but sometimes life gets in the way.

[scramratz]

I knew that Japanese futon I bought 2 years ago would come in handy

[femmefatalevibe]

Any tips on saving money?

Track your income/expenses. Knowing your monthly cash flow + essential and discretionary spending is the only sound starting point toward setting your financial goals.

Evaluate your non-essential spending habits. Consider where this money is going, and whether these expenses add value/are necessary to your life (pleasure or peace of mind is an acceptable "necessity" if you're living within your means to be clear!).

Determine the money you have left over after you cover your essential expenses and most fulfill discretionary expenses. This amount is your "saving/investment" money.

Divide your leftover amount into 3 categories: Emergency fund, goal-oriented savings (like buying a desired luxury item/furniture, a down payment on a house, a vacation, etc.), and investments.

Put your savings in a high-yield savings account. If possible, have different accounts for each purpose, especially your emergency fund and savings for future purposes. You can also get a CD for a long-term savings goal.

Put your investments (in the USA at least) in the following buckets: Roth IRA (max it out), ALWAYS take your employer's full 401k match, HSA (if you have a high-deductible health insurance plan), and S&P 500 index funds/other evergreen mutual funds + blue-chip stocks.

Purchase fewer, higher-quality items. Know the sales seasons for each product category and shop around this calendar (down to the produce items in season). If possible, rent items when it makes sense.

Only say "yes" to plans/financial obligations that add value/pleasure to your life. Don't let yourself feel shortchanged financially or emotionally. It's never worth it, honestly.

Invest in your physical, mental, and financial health first. This can mean something different for everyone but it's important!

**I'm not a professional, just another young woman on the internet, so please take this advice accordingly. Please meet with a financial advisor/CPA for formal advice and personal financial planning.

Hope this helps xx

[bitchesgetriches]

All labor deserves compensation. Even ours.

Bitchlings, did you know that you can join our Patreon for FREE? Yep. You can join for free and benefit from updates, get notified of new courses, workshops, and articles, and do it all within the loving and shapely arms of a community of fellow bitchlings longing to become rich...lings.

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But if even HALF of our 152 free members started paying just $1 a month to support the Bitches Get Riches mission... we'd have $76 more dollars every month to put into this passion project. That's $912 a year going toward all this great stuff:

Paying our website hosting fees so we have a dedicated space to keep ALL of our research, resources, analysis, and advice.

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But most importantly... we'd be able to create more blog articles, YouTube videos, and podcast episodes. All of that shit is HARD FUCKING WORK. And while we're doing it, we lose the opportunity to do OTHER paid work.

All labor deserves compensation, my loves. Even that of your humble Bitches. If you're a free member of our Patreon, consider raising your membership to the $1 level today.

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We love you, babies. Keep on keeping on.

~Piggy & Kitty, Co-Bitches, BitchesGetRiches.com